<!DOCTYPE html>
<html lang="zh-Hans">
<head>
  <meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=2">
<meta name="theme-color" content="#222">
<meta name="generator" content="Hexo 5.3.0">
  <link rel="apple-touch-icon" sizes="180x180" href="/blog/images/apple-touch-icon-next.png">
  <link rel="icon" type="image/png" sizes="32x32" href="/blog/images/favicon-32x32-next.png">
  <link rel="icon" type="image/png" sizes="16x16" href="/blog/images/favicon-16x16-next.png">
  <link rel="mask-icon" href="/blog/images/logo.svg" color="#222">

<link rel="stylesheet" href="/blog/css/main.css">

<link rel="stylesheet" href="//fonts.googleapis.com/css?family=Lato:300,300italic,400,400italic,700,700italic&display=swap&subset=latin,latin-ext">
<link rel="stylesheet" href="/blog/lib/font-awesome/css/font-awesome.min.css">


<script id="hexo-configurations">
  var NexT = window.NexT || {};
  var CONFIG = {
    hostname: new URL('https://guodh.gitee.io/blog').hostname,
    root: '/blog/',
    scheme: 'Pisces',
    version: '7.7.1',
    exturl: false,
    sidebar: {"position":"left","display":"post","padding":18,"offset":12,"onmobile":false},
    copycode: {"enable":true,"show_result":true,"style":null},
    back2top: {"enable":true,"sidebar":false,"scrollpercent":false},
    bookmark: {"enable":false,"color":"#222","save":"auto"},
    fancybox: false,
    mediumzoom: false,
    lazyload: false,
    pangu: false,
    comments: {"style":"tabs","active":null,"storage":true,"lazyload":false,"nav":null},
    algolia: {
      appID: '',
      apiKey: '',
      indexName: '',
      hits: {"per_page":10},
      labels: {"input_placeholder":"Search for Posts","hits_empty":"We didn't find any results for the search: ${query}","hits_stats":"${hits} results found in ${time} ms"}
    },
    localsearch: {"enable":false,"trigger":"auto","top_n_per_article":1,"unescape":false,"preload":false},
    path: 'search.xml',
    motion: {"enable":true,"async":false,"transition":{"post_block":"fadeIn","post_header":"slideDownIn","post_body":"slideDownIn","coll_header":"slideLeftIn","sidebar":"slideUpIn"}}
  };
</script>

  <meta name="description" content="什么是金融业务？曾经我也会这样会问自己，因为对于我而言，钱应该是很真实的存在。它是看的见，摸得着的。 不过，最近开始从事金融相关的开发的时候，才对金融体系有了一个完整的概念。当然，这个概念也是迭代的。不妨说说我对于金融业务的理解，未来在来看看我的理解是否能为我的职业生涯带来一个转变。 这个转变来源于我对技术和业务的理解，TO B 和 TO C 的业务属性不一致，所以导致用户对于系统的容忍度是不一样">
<meta property="og:type" content="article">
<meta property="og:title" content="银行体系">
<meta property="og:url" content="https://guodh.gitee.io/blog/2019/08/30/2019/%E9%93%B6%E8%A1%8C%E4%BD%93%E7%B3%BB/index.html">
<meta property="og:site_name" content="蛋蛋的小屋">
<meta property="og:description" content="什么是金融业务？曾经我也会这样会问自己，因为对于我而言，钱应该是很真实的存在。它是看的见，摸得着的。 不过，最近开始从事金融相关的开发的时候，才对金融体系有了一个完整的概念。当然，这个概念也是迭代的。不妨说说我对于金融业务的理解，未来在来看看我的理解是否能为我的职业生涯带来一个转变。 这个转变来源于我对技术和业务的理解，TO B 和 TO C 的业务属性不一致，所以导致用户对于系统的容忍度是不一样">
<meta property="og:locale">
<meta property="og:image" content="https://guodh.gitee.io/PP0.1.png">
<meta property="og:image" content="https://guodh.gitee.io/PP1.0.png">
<meta property="og:image" content="https://guodh.gitee.io/PP2.0.png">
<meta property="article:published_time" content="2019-08-30T11:48:03.000Z">
<meta property="article:modified_time" content="2020-02-09T15:14:03.000Z">
<meta property="article:author" content="RunningEgg">
<meta property="article:tag" content="业务">
<meta name="twitter:card" content="summary">
<meta name="twitter:image" content="https://guodh.gitee.io/PP0.1.png">

<link rel="canonical" href="https://guodh.gitee.io/blog/2019/08/30/2019/%E9%93%B6%E8%A1%8C%E4%BD%93%E7%B3%BB/">


<script id="page-configurations">
  // https://hexo.io/docs/variables.html
  CONFIG.page = {
    sidebar: "",
    isHome: false,
    isPost: true
  };
</script>

  <title>银行体系 | 蛋蛋的小屋</title>
  






  <noscript>
  <style>
  .use-motion .brand,
  .use-motion .menu-item,
  .sidebar-inner,
  .use-motion .post-block,
  .use-motion .pagination,
  .use-motion .comments,
  .use-motion .post-header,
  .use-motion .post-body,
  .use-motion .collection-header { opacity: initial; }

  .use-motion .site-title,
  .use-motion .site-subtitle {
    opacity: initial;
    top: initial;
  }

  .use-motion .logo-line-before i { left: initial; }
  .use-motion .logo-line-after i { right: initial; }
  </style>
</noscript>

</head>

<body itemscope itemtype="http://schema.org/WebPage">
  <div class="container use-motion">
    <div class="headband"></div>

    <header class="header" itemscope itemtype="http://schema.org/WPHeader">
      <div class="header-inner"><div class="site-brand-container">
  <div class="site-meta">

    <div>
      <a href="/blog/" class="brand" rel="start">
        <span class="logo-line-before"><i></i></span>
        <span class="site-title">蛋蛋的小屋</span>
        <span class="logo-line-after"><i></i></span>
      </a>
    </div>
        <p class="site-subtitle">来了就看看吧，没有刀剑只有故事</p>
  </div>

  <div class="site-nav-toggle">
    <div class="toggle" aria-label="Toggle navigation bar">
      <span class="toggle-line toggle-line-first"></span>
      <span class="toggle-line toggle-line-middle"></span>
      <span class="toggle-line toggle-line-last"></span>
    </div>
  </div>
</div>


<nav class="site-nav">
  
  <ul id="menu" class="menu">
        <li class="menu-item menu-item-home">

    <a href="/blog/" rel="section"><i class="fa fa-fw fa-home"></i>Home</a>

  </li>
        <li class="menu-item menu-item-about">

    <a href="/blog/about/" rel="section"><i class="fa fa-fw fa-user"></i>About</a>

  </li>
        <li class="menu-item menu-item-archives">

    <a href="/blog/archives/" rel="section"><i class="fa fa-fw fa-archive"></i>Archives</a>

  </li>
        <li class="menu-item menu-item-book">

    <a href="/blog/book/" rel="section"><i class="fa fa-fw fa-archive"></i>book</a>

  </li>
  </ul>

</nav>
</div>
    </header>

    
  <div class="back-to-top">
    <i class="fa fa-arrow-up"></i>
    <span>0%</span>
  </div>


    <main class="main">
      <div class="main-inner">
        <div class="content-wrap">
          

          <div class="content">
            

  <div class="posts-expand">
      
  
  
  <article itemscope itemtype="http://schema.org/Article" class="post-block " lang="zh-Hans">
    <link itemprop="mainEntityOfPage" href="https://guodh.gitee.io/blog/2019/08/30/2019/%E9%93%B6%E8%A1%8C%E4%BD%93%E7%B3%BB/">

    <span hidden itemprop="author" itemscope itemtype="http://schema.org/Person">
      <meta itemprop="image" content="/blog/images/avatar.gif">
      <meta itemprop="name" content="RunningEgg">
      <meta itemprop="description" content="写下我的点点滴滴，写下我对这个世界的看法，还有我内心锁崇拜的技术">
    </span>

    <span hidden itemprop="publisher" itemscope itemtype="http://schema.org/Organization">
      <meta itemprop="name" content="蛋蛋的小屋">
    </span>
      <header class="post-header">
        <h1 class="post-title" itemprop="name headline">
          银行体系
        </h1>

        <div class="post-meta">
            <span class="post-meta-item">
              <span class="post-meta-item-icon">
                <i class="fa fa-calendar-o"></i>
              </span>
              <span class="post-meta-item-text">Posted on</span>

              <time title="Created: 2019-08-30 19:48:03" itemprop="dateCreated datePublished" datetime="2019-08-30T19:48:03+08:00">2019-08-30</time>
            </span>
              <span class="post-meta-item">
                <span class="post-meta-item-icon">
                  <i class="fa fa-calendar-check-o"></i>
                </span>
                <span class="post-meta-item-text">Edited on</span>
                <time title="Modified: 2020-02-09 23:14:03" itemprop="dateModified" datetime="2020-02-09T23:14:03+08:00">2020-02-09</time>
              </span>

          

        </div>
      </header>

    
    
    
    <div class="post-body" itemprop="articleBody">

      
        <p>什么是金融业务？曾经我也会这样会问自己，因为对于我而言，钱应该是很真实的存在。它是看的见，摸得着的。</p>
<p>不过，最近开始从事金融相关的开发的时候，才对金融体系有了一个完整的概念。当然，这个概念也是迭代的。不妨说说我对于金融业务的理解，未来在来看看我的理解是否能为我的职业生涯带来一个转变。</p>
<p>这个转变来源于我对技术和业务的理解，TO B 和 TO C 的业务属性不一致，所以导致用户对于系统的容忍度是不一样的。对于C端用户，类似拼多多，可以不断地去骚扰用户。但是，用户还是能够接受。而如果支付宝做了一点窃取用户隐私的因为，那么后果是不堪设想的。</p>
<a id="more"></a>

<h2 id="金融0-1"><a href="#金融0-1" class="headerlink" title="金融0.1"></a>金融0.1</h2><p>这个应该是最最简单的，简单的讲就是点对点。 </p>
<img src="/PP0.1.png" width="70%" height="70%" alt="PP0.1.png"/>

<p>简单的来讲，只要保证订单都是OK的，不漏单就行。那些清算什么的，都不需要做。</p>
<h2 id="金融1-0"><a href="#金融1-0" class="headerlink" title="金融1.0"></a>金融1.0</h2><p>由于公司是做跨境金融的，第一个步骤就是收到钱。因此，有了大账号的概念，我拥有一个大账号，旗下会挂很多的子账号。无论是来源于哪个子账号的资金都会进入公司账户。<br>因此，账号是一切的核心。对于支付宝而言，账户也是一切的核心。用户可以讲钱打入我们公司的银行账户中，这个时候，其实钱并不是钱了。只是属于账户上的一串数字，也可以说是PP的数字货币。</p>
<p>当用户选择提现的时候，PP选择渠道，将资金转入用户的账户内。</p>
<img src="/PP1.0.png" width="100%" height="100%" alt="PP1.0.png"/>

<p>这里有一个点是，由于这些钱是属于用户的，因此按照道理，是需要为用户开一个账户，同时受到银行的监管。否则，就属于二清的嫌疑，或者拥有支付牌照。</p>
<p>类似的，很多公司提供的钱包充值功能，也是这样的业务类型。只是提现的账户，是公司自己。如果收益者是公司本身，那么就不存在二清的嫌疑。如果是类似滴滴这种模式，还是需要为司机开设银行账户。</p>
<p>当然，相比较于金融0.1，增加了各种下发的渠道。为了保证时效性，都会在下发渠道准备一些备付金。这笔钱是用来立刻给用户打款用的。</p>
<p>除此之外，需要对接各种清算体系。因为服务不一定是可靠的，但是一个健壮的系统是必须要有各种校验机制的。无论是，事前、事中、还是事后。</p>
<p>另外一个就是一个合格的风控系统。对于，金融公司，资损永远是最不能容忍的。（其实，也就是全铺盖跑路的事）无论是资金的进入，还是资金的提现，都是必须处理风控体系下的。对于风控，无论是KYC，还是行为监控，都是属于风控体系。</p>
<h2 id="金融2-0"><a href="#金融2-0" class="headerlink" title="金融2.0"></a>金融2.0</h2><p>基于账户体系，这就可以衍生出银行的概念。</p>
<img src="/PP2.0.png" width="100%" height="100%" alt="PP2.0.png"/>

<p>拥有了账户体系，将业务体系升级一波就是类似于银行的存在。我们可以为用户提供转账服务，类似于PayPal我们还能提供换汇的机制。</p>
<p>其次是，金融信贷业务。为用户的账户充值钱，但是这个钱来源于PP，同时需要计算用户的额度。</p>

    </div>

    
    
    

      <footer class="post-footer">
          <div class="post-tags">
              <a href="/blog/tags/%E4%B8%9A%E5%8A%A1/" rel="tag"># 业务</a>
          </div>

        


        
    <div class="post-nav">
      <div class="post-nav-item">
    <a href="/blog/2019/07/28/2019/%E4%B8%BB%E5%8A%A8%E7%BC%93%E5%AD%98/" rel="prev" title="主动缓存">
      <i class="fa fa-chevron-left"></i> 主动缓存
    </a></div>
      <div class="post-nav-item">
    <a href="/blog/2019/09/19/2019/ZGC%E5%A4%96%E6%96%87%E7%BF%BB%E8%AF%91/" rel="next" title="ZGC外文翻译">
      ZGC外文翻译 <i class="fa fa-chevron-right"></i>
    </a></div>
    </div>
      </footer>
    
  </article>
  
  
  

  </div>


          </div>
          

<script>
  window.addEventListener('tabs:register', () => {
    let activeClass = CONFIG.comments.activeClass;
    if (CONFIG.comments.storage) {
      activeClass = localStorage.getItem('comments_active') || activeClass;
    }
    if (activeClass) {
      let activeTab = document.querySelector(`a[href="#comment-${activeClass}"]`);
      if (activeTab) {
        activeTab.click();
      }
    }
  });
  if (CONFIG.comments.storage) {
    window.addEventListener('tabs:click', event => {
      if (!event.target.matches('.tabs-comment .tab-content .tab-pane')) return;
      let commentClass = event.target.classList[1];
      localStorage.setItem('comments_active', commentClass);
    });
  }
</script>

        </div>
          
  
  <div class="toggle sidebar-toggle">
    <span class="toggle-line toggle-line-first"></span>
    <span class="toggle-line toggle-line-middle"></span>
    <span class="toggle-line toggle-line-last"></span>
  </div>

  <aside class="sidebar">
    <div class="sidebar-inner">

      <ul class="sidebar-nav motion-element">
        <li class="sidebar-nav-toc">
          Table of Contents
        </li>
        <li class="sidebar-nav-overview">
          Overview
        </li>
      </ul>

      <!--noindex-->
      <div class="post-toc-wrap sidebar-panel">
          <div class="post-toc motion-element"><ol class="nav"><li class="nav-item nav-level-2"><a class="nav-link" href="#%E9%87%91%E8%9E%8D0-1"><span class="nav-number">1.</span> <span class="nav-text">金融0.1</span></a></li><li class="nav-item nav-level-2"><a class="nav-link" href="#%E9%87%91%E8%9E%8D1-0"><span class="nav-number">2.</span> <span class="nav-text">金融1.0</span></a></li><li class="nav-item nav-level-2"><a class="nav-link" href="#%E9%87%91%E8%9E%8D2-0"><span class="nav-number">3.</span> <span class="nav-text">金融2.0</span></a></li></ol></div>
      </div>
      <!--/noindex-->

      <div class="site-overview-wrap sidebar-panel">
        <div class="site-author motion-element" itemprop="author" itemscope itemtype="http://schema.org/Person">
  <p class="site-author-name" itemprop="name">RunningEgg</p>
  <div class="site-description" itemprop="description">写下我的点点滴滴，写下我对这个世界的看法，还有我内心锁崇拜的技术</div>
</div>
<div class="site-state-wrap motion-element">
  <nav class="site-state">
      <div class="site-state-item site-state-posts">
          <a href="/blog/archives/">
        
          <span class="site-state-item-count">89</span>
          <span class="site-state-item-name">posts</span>
        </a>
      </div>
      <div class="site-state-item site-state-tags">
        <span class="site-state-item-count">24</span>
        <span class="site-state-item-name">tags</span>
      </div>
  </nav>
</div>
  <div class="links-of-author motion-element">
      <span class="links-of-author-item">
        <a href="mailto:guodh_1@163.com" title="E-Mail → mailto:guodh_1@163.com" rel="noopener" target="_blank"><i class="fa fa-fw fa-envelope"></i>E-Mail</a>
      </span>
  </div>



      </div>

    </div>
  </aside>
  <div id="sidebar-dimmer"></div>


      </div>
    </main>

    <footer class="footer">
      <div class="footer-inner">
        

<div class="copyright">
  
  &copy; 
  <span itemprop="copyrightYear">2022</span>
  <span class="with-love">
    <i class="fa fa-user"></i>
  </span>
  <span class="author" itemprop="copyrightHolder">RunningEgg</span>
</div>
  <div class="powered-by">Powered by <a href="https://hexo.io/" class="theme-link" rel="noopener" target="_blank">Hexo</a> v5.3.0
  </div>
  <span class="post-meta-divider">|</span>
  <div class="theme-info">Theme – <a href="https://pisces.theme-next.org/" class="theme-link" rel="noopener" target="_blank">NexT.Pisces</a> v7.7.1
  </div>

        








      </div>
    </footer>
  </div>

  
  <script src="/blog/lib/anime.min.js"></script>
  <script src="/blog/lib/velocity/velocity.min.js"></script>
  <script src="/blog/lib/velocity/velocity.ui.min.js"></script>

<script src="/blog/js/utils.js"></script>

<script src="/blog/js/motion.js"></script>


<script src="/blog/js/schemes/pisces.js"></script>


<script src="/blog/js/next-boot.js"></script>




  















  

  

</body>
</html>
